Beltrami County, MN Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 826 mortgage applications in Beltrami County, MN totaling $110.6 million, down 30% from 2013. The average application was for $133,000, and applicants reported an average income of $71,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lender was Affinity Plus Federal Credit Union, with 186 applications, followed by Wells Fargo Bank NA and Bank Forward.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 826 |
| Total Mortgage Loan Application Amount | $110,646,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $2,646,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $1,875,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 186 | $ 19,860,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 145 | $ 18,068,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 490,836,000 | 61 | $ 8,500,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 57 | $ 7,732,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 307,511,000 | 39 | $ 4,568,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 17 | $ 2,480,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 14 | $ 3,627,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 10 | $ 1,372,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 10 | $ 1,257,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,462,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 147,147,000 | 9 | $ 451,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 1,213,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 8 | $ 1,236,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 8 | $ 1,260,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 8 | $ 1,608,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 1,093,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 834,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 6 | $ 449,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 672,943,000 | 6 | $ 714,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 478,857,000 | 6 | $ 767,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 693,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 5 | $ 895,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 188,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 749,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 5 | $ 1,356,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 572,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 500,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 4 | $ 600,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 590,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 4 | $ 856,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 610,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 688,805,000 | 4 | $ 757,000 |
| The First National Bank of Bagley PO BOX N, 31 CENTRAL STREET E BAGLEY, MN 56621 |
* | $ 79,940,000 | 4 | $ 229,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 4 | $ 419,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 616,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 4 | $ 512,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 3 | $ 308,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 3 | $ 629,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,630,992,000 | 3 | $ 188,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 521,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 331,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 137,502,000 | 3 | $ 320,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 304,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 734,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 2 | $ 2,282,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 327,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 215,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 236,094,000 | 2 | $ 162,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 302,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 2 | $ 222,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 260,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 354,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 146,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 241,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 304,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 399,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 2 | $ 347,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 222,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 283,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 150,121,000 | 1 | $ 253,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 44,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 60,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 195,000 |
| Rushmore Loan Management Servi 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ 117,300,000 | 1 | $ 114,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 98,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 162,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 344,353,000 | 1 | $ 108,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 75,586,000 | 1 | $ 25,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 112,784,000 | 1 | $ 215,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 758,952,000 | 1 | $ 67,000 |
| Farmers & Merchants State Bank of Pierz 80 MAIN STREET N, P.O. BOX 308 PIERZ, MN 56364 |
* | $ 175,379,000 | 1 | $ 95,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,632,682,000 | 1 | $ 130,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 242,416,000 | 1 | $ 60,000 |
| Sharepoint Credit Union 5300 HYLAND GREENS DR BLOOMINGTON, MN 55437 |
* | $ 182,410,000 | 1 | $ 60,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,392,362,000 | 1 | $ 119,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 170,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,037,879,000 | 1 | $ 86,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 620,458,000 | 1 | $ 2,646,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 194,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 253,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 1 | $ 110,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 305,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 77,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 236,197,000 | 1 | $ 160,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 171,750,000 | 1 | $ 122,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 156,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 163,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 138,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 88,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 0 | 1 | $ 200,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 1 | $ 218,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 83,239,000 | 1 | $ 149,000 |
| First Personal Bank 14701 S RAVINIA AVE ORLAND PARK, IL 60462 |
* | $ 165,791,000 | 1 | $ 20,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 1,556,338,000 | 1 | $ 110,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 123,000 |
| Northwoods Bank of Minnesota PO BOX 112 PARK RAPIDS, MN 56470 |
* | $ 104,381,000 | 1 | $ 128,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,412,590,000 | 1 | $ 130,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 164,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 18,396,839,000 | 1 | $ 20,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 1 | $ 78,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 137,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 8,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 22,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 256,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 108,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 1 | $ 126,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 65,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 175,000 |
The tables below break down 2014 mortgage applications in Beltrami County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beltrami County, MN in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 510 | $68,310,000 | $133,000 | $417,000 | $71,000 | $1,421,000 |
| Refinancing | 247 | $39,143,000 | $158,000 | $2,646,000 | $72,000 | $1,875,000 |
| Home Improvement | 69 | $3,193,000 | $46,000 | $570,000 | $76,000 | $567,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 651 | $82,175,000 | $126,000 | $426,000 | $80,000 | $1,875,000 |
| Not applicable | 91 | $18,298,000 | $201,000 | $2,646,000 | $4,000 | $177,000 |
| American Indian or Alaskan Native | 42 | $4,699,000 | $111,000 | $275,000 | $59,000 | $241,000 |
| Not Provided | 30 | $3,348,000 | $111,000 | $304,000 | $89,000 | $344,000 |
| Asian | 4 | $823,000 | $205,000 | $274,000 | $213,000 | $373,000 |
| Hispanic | 4 | $609,000 | $152,000 | $211,000 | $50,000 | $52,000 |
| Black or African American | 3 | $614,000 | $204,000 | $219,000 | $111,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $80,000 | $80,000 | $80,000 | $21,000 | $21,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 600 | $79,596,000 | $132,000 | $2,646,000 | $84,000 | $1,875,000 |
| FHA-insured (Federal Housing Administration) | 88 | $11,420,000 | $129,000 | $275,000 | $42,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 71 | $11,277,000 | $158,000 | $390,000 | $47,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $8,353,000 | $124,000 | $188,000 | $22,000 | $74,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 421 | $61,497,000 | $146,000 | $2,646,000 | $82,000 | $1,421,000 |
| Application Denied By Financial Institution | 164 | $16,939,000 | $103,000 | $417,000 | $57,000 | $344,000 |
| Application Withdrawn By Applicant | 105 | $14,661,000 | $139,000 | $417,000 | $99,000 | $1,875,000 |
| Loan Purchased By The Institution | 92 | $12,871,000 | $139,000 | $390,000 | $19,000 | $185,000 |
| Application Approved But Not Accepted | 35 | $3,440,000 | $98,000 | $304,000 | $71,000 | $174,000 |
| File Closed For Incompleteness | 9 | $1,238,000 | $137,000 | $227,000 | $51,000 | $96,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 23 | $1,149,000 | $49,000 | $249,000 | $48,000 | $164,000 |
| Collateral | 19 | $2,440,000 | $128,000 | $417,000 | $81,000 | $246,000 |
| Debt-To-Income Ratio | 15 | $1,593,000 | $106,000 | $384,000 | $39,000 | $180,000 |
| Credit Application Incomplete | 8 | $1,485,000 | $185,000 | $417,000 | $85,000 | $344,000 |
| Other | 7 | $616,000 | $88,000 | $122,000 | $69,000 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $401,000 | $200,000 | $296,000 | $144,000 | $260,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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